Long Term

Long Term Disability Insurance Plans

Long term disability insurance coverage protects your income in the event of an accident. Sometimes it is hard to see how much we rely on our income, but it is crucial to maintaining a certain quality of life. Your income helps pay your rent or mortgage, car insurance, and child’s education. It also allows you to puts food on the table, save for retirement, invest, and accumulate wealth.

If you are worried that a disability could wipe out everything you have worked so hard to earn, choose a long-term plan. It will give you peace of mind about your family, protect your personal wealth, and insure your potential earnings.

Long-Term Providers

Got DI provides numerous options among the top short term and-long term providers for individuals in an array of professions. We’re going to make it easier to find the plan that meets your needs, so you will have adequate coverage. Some of the advantages of our services include:

For small business owners, business overhead expenses keep you operational after an accident

Own-occupation allows you to work in another capacity while still receiving a percentage of your wages

Got DI will ponder options to help you find the right policy for your finances

Call for our helpful customer service

Look at our list of providers for more in depth analysis to see if one meets your particular needs.

Optional Riders

To help you pick the best long term policy, Got DI compares the additional riders from top rated coverage providers. Riders are voluntary bonus features you can choose to include with your policies that raise benefits in specific circumstances. Listed below are a couple of the optional riders we feature:

Hospital Confinement Indemnity Benefits Rider
This rider compensates up to $500 for every single day you’re hospitalized because of an injury. The benefits double for time spent in confinement in intensive care.

Future Insurability Option Rider
When you work hard, you will be compensated with increased salary. This rider improves your base benefits as your salary goes up whether or not you are disabled, permitting more flexibility. It is only available with a long-term protection plan.

Return of Premium Benefit Rider
Available for both short term and long term disability insurance costs, you can receive back either 50 or 80 percent of premiums (minus claims) paid after 10 years, depending on the rider and policy chosen.